USAA Auto Insurance Review (2023)

Is USAA a Good Choice?

USAA has been in the insurance business for 100 years, specializing in affordable auto insurance for the military. The company offers excellent service and coverages specific to military members, such as a deployment discount.

USAA offers military members and their families various coverage options at the lowest rates. That’s why it’s considered one of the best auto insurance providers for veterans and the military.

USAA also ranks high in customer satisfaction with J.D. Power and financial stability through A.M. Best. So, drivers with USAA insurance are confident the company will be there when needed. 

While coverage is only available to military members and their families, it’s available in all 50 states and Washington, D.C.

In addition to auto insurance, USAA offers insurance products such as homeowners, renters, boat, RV, and motorcycle coverage. Drivers can also take advantage of life and health insurance, auto loans, and investment opportunities through USAA. 

USAA’s low rates, high ratings, and various coverage options make it a great fit for military members.

USAA Rates

Many factors affect auto insurance rates, including age, driving history, and credit score. Therefore, USAA auto insurance quotes are different for each driver. To get an idea of auto insurance rates across the country, take a look at the map below.

USAA auto insurance rates are the lowest, but you’re only eligible if you’re a military member or family member. Other drivers don’t qualify for coverage.

Most states require at least a minimum amount of liability coverage. However, liability coverage only pays for damages to others. Therefore, drivers should add collision and comprehensive coverages to protect their vehicles.

Full coverage auto insurance includes liability, collision, comprehensive, and other required coverages. While more coverage equals higher rates, you’re better protected and pay less out of pocket if your vehicle gets damaged.

This table shows average rates based on full coverage from USAA and other top insurers.

In addition, we’ve put together a table showing annual rates based on minimum coverage.

As you can see, USAA rates are the cheapest regardless of coverage. Considering full coverage is only around $11 a month more than liability-only coverage, it makes sense to choose the most protection available.

How does driving history affect USAA auto insurance rates?

Auto insurance companies check driving records, so drivers with accidents, tickets, and DUIs see the highest rates since they’re more likely to cost the insurance company money.

This table shows how having one accident on your driving record affects USAA car insurance rates.

You can expect your rates to increase after a speeding ticket as well.

While USAA rates increase with speeding tickets or accidents, they almost double with a DUI.

Drivers with multiple dings on their driving record see extremely high rates. Additionally, drivers with multiple infractions may be considered high-risk and require costly special coverage.

Does your credit score affect USSA rates?

Your credit score affects many aspects of your life, such as loan rates, credit card interest rates, and qualifying for an apartment.

However, many drivers aren’t aware their credit score can affect their insurance rates. While some states, like California, don’t allow insurers to use this factor to determine rates, most states allow auto insurance companies to use credit scores.

Most insurance companies believe that drivers with good credit are more likely to avoid filing a claim and will pay for damages themselves. On the other hand, drivers with poor credit are more likely to file a claim and possibly miss payments.

USAA uses credit scores to calculate insurance rates. This table shows how much more drivers with fair or poor credit pay for USAA coverage.

USAA drivers with poor credit pay double compared to drivers with good credit. The good news is that you can raise your credit score by making on-time payments and using credit responsibly.

USAA Discounts Available

We’ve already shown that USAA auto insurance is the cheapest out there. However, there are ways to get even lower rates.

The easiest way to lower rates is to take advantage of auto insurance discounts. USAA offers various discounts based on the driver, policy, and vehicle. In addition, drivers can bundle eligible discounts for the most significant savings.

Drivers can also participate in the USAA SafePilot program to earn additional savings. SafePilot is a telematics program that monitors your driving habits, such as speed and hard braking. As a result, drivers who exhibit safe driving can save up to 30% on their auto insurance.

Lastly, look closely at your policy. Lower coverage amounts and raised deductibles to lower your rates. However, doing so means higher out-of-pocket costs if your vehicle gets damaged.

USAA Coverage Options

USAA offers various auto insurance coverages and other insurance products. Since USAA provides many products, drivers may find the company meets all their needs.

Typical auto insurance offerings from USAA include the following:

• Liability insurance
• Collision insurance
• Comprehensive insurance
• Uninsured/underinsured motorist coverage
• Personal injury protection coverage

In addition, USAA offers roadside assistance, rental car reimbursement, and accident forgiveness. Hard-to-find coverage, such as rideshare and classic car insurance, is also available. Drivers can bundle their auto insurance policy with numerous coverages and services, making USAA a one-stop shop for insurance.

Other USAA coverages and products include:

• Homeowners
• Renters
• Recreational vehicles such as motorcycles, boats, and RVs
• Health
• Life
• Pet
• Travel
• Auto loans
• Annuities

USAA rates are typically lower than other insurance companies, so using the company for multiple needs saves money.

USAA vs. Competitors

6,419 reviews

4.72

Cheapest for Military & Veterans

Average Monthly Rate For Good Drivers

$62.75

A.M. Best Rating

A+

Complaint Level

Low

USAA is rated as the top insurance company by its customers. See which USAA discounts you qualify for and how you could lower your insurance rates.

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17,740 reviews

4.10

Cheapest with an Accident

Average Monthly Rate For Good Drivers

N/A

A.M. Best Rating

A+

Complaint Level

Low

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Geico Auto Insurance Review (2023)

N/A0.0

Cheapest with a Clean Record

Average Monthly Rate For Good Drivers

$82.00

A.M. Best Rating

A++

Complaint Level

Low

GEICO is the second-largest insurance company in America. With low rates and many discounts, GEICO might be right for you. Learn more here.

» Geico Auto Insurance Review (2023)